{"id":16150,"date":"2025-02-11T10:10:59","date_gmt":"2025-02-11T15:10:59","guid":{"rendered":"https:\/\/www.assur360.ca\/non-standard-home-insurance-2\/"},"modified":"2026-06-25T17:20:16","modified_gmt":"2026-06-25T21:20:16","slug":"non-standard-home-insurance-2","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/non-standard-home-insurance-2\/","title":{"rendered":"Non-standard home insurance"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}\n.entry-title{display:none!important}\n.a360-hns *{margin:0;padding:0;box-sizing:border-box}\n.a360-hns{font-family:'DM Sans',sans-serif;color:#334155;line-height:1.7}\n.a360-hns h2,.a360-hns h3,.a360-hns h4{font-family:'Sora',sans-serif;color:#0d1f2d}\n.a360-hns a{color:#10c4c7;text-decoration:none}\n.a360-hns a:hover{text-decoration:underline}\n\n\/* Hero CTA *\/\n.a360-hns .hero-cta{background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:56px 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strong{color:#0d1f2d}\n\n@media(max-width:768px){\n  .a360-hns .hero-cta{flex-direction:column;text-align:center;padding:40px 24px}\n  .a360-hns .hero-mascot img{width:160px}\n  .a360-hns .hero-btns{justify-content:center}\n  .a360-hns .img-section{flex-direction:column}\n  .a360-hns .img-section img{width:100%}\n  .a360-hns .situations-grid{grid-template-columns:1fr}\n  .a360-hns .steps{grid-template-columns:repeat(2,1fr)}\n  .a360-hns .final-cta{flex-direction:column;text-align:center;padding:40px 24px}\n  .a360-hns .eeat{grid-template-columns:1fr}\n}\n<\/style>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-habitation-non-standard.jpg\" alt=\"Older or complex home \u2014 Assur360 non-standard home insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Non-standard-home-insurance\"><\/span>Non-standard home insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\"><strong>Non-standard homes<\/strong> (very old 1900s-, old knob-and-tube electricity, galvanized plumbing, roof over 20 years old, main wood fireplace) are refused by standard markets.<\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Solution:<\/strong> specialized programs via Lloyd&#8217;s, Cumis, and non-standard markets. Pricing reflects risk but coverage is available. Upgrading plan (electrical update, roof) can facilitate standard rework.  <\/p>\n  <\/div>\n<\/div>\n&#8220;`html\n\n<div class=\"a360-hns\">\n\n<!-- HERO CTA -->\n<div class=\"hero-cta\">\n  <div class=\"hero-mascot\">\n    <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/assur360-courtier-enso.png\" alt=\"Independent insurance broker for non-standard home insurance Assur360\"\/>\n  <\/div>\n  <div class=\"hero-content\">\n    <div class=\"hero-badge\">No file refused<\/div>\n    <h2><span class=\"ez-toc-section\" id=\"Non-standard-home-insurance-2\"><\/span>Non-standard home <span>insurance<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>Solutions for difficult cases. Bad credit, criminal record, cancellation, repeated claims: the brokers from our partner firms find coverage tailored to your situation.<\/p>\n    <div class=\"hero-btns\">\n      <a href=\"https:\/\/www.assur360.ca\/soumission-habitation-solutions\/\" class=\"btn-teal\">Get my free quote \u2192<\/a>\n      <a href=\"tel:18663574451\" class=\"btn-outline\">1-866-357-4451<\/a>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- IMAGE + INTRO -->\n<div class=\"img-section\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2025\/02\/habitation-mauvais-dossier-de-credit.png\" alt=\"Home insurance for bad credit\"\/>\n  <div class=\"img-text\">\n    <h2><span class=\"ez-toc-section\" id=\"Why-choose-Assur360-for-your-second-chance-insurance\"><\/span>Why choose Assur360 for your second chance insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>At <strong>Assur360<\/strong>, we believe that everyone deserves protection tailored to their situation. If you are struggling to obtain home insurance due to your history or special circumstances, the brokers from our partner firms are here to help you.<\/p>\n    <p><strong>We collaborate with specialized home insurers<\/strong> to offer you coverage, even if your file has been refused elsewhere. AMF certified brokers, 100% independent.<\/p>\n  <\/div>\n<\/div>\n\n<!-- SITUATIONS COUVERTES -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"Situations-covered-by-the-brokers-from-our-partner-firms\"><\/span>Situations covered by the brokers from our partner firms<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Even if your file has been refused elsewhere, we have solutions for you:<\/p>\n\n  <div class=\"situations-grid\">\n    <div class=\"situation-card\">\n      <h4>Non-payment<\/h4>\n      <p>Have you had difficulties paying your premiums? We find solutions tailored to your budget.<\/p>\n    <\/div>\n    <div class=\"situation-card\">\n      <h4>Criminal record or court record<\/h4>\n      <p>We work with insurers who understand your reality and do not judge you.<\/p>\n    <\/div>\n    <div class=\"situation-card\">\n      <h4>Frequency of claims<\/h4>\n      <p>Too many claims in your file? We help you find coverage at a competitive rate.<\/p>\n    <\/div>\n    <div class=\"situation-card\">\n      <h4>Precarious financial situation<\/h4>\n      <p>Discharged bankruptcy, financial difficulties: we find accessible options to protect you despite your financial past.<\/p>\n    <\/div>\n    <div class=\"situation-card\">\n      <h4>High-risk area<\/h4>\n      <p>Insuring a property in a congested area can be complicated, but we have solutions.<\/p>\n    <\/div>\n    <div class=\"situation-card\">\n      <h4>Cancelled contract<\/h4>\n      <p>A cancellation by a previous insurer does not mean the end of your protection. We can help you.<\/p>\n    <\/div>\n    <div class=\"situation-card\">\n      <h4>Employment-related reasons<\/h4>\n      <p>Some professions or work situations make insurance more complex, but we have partners ready to cover you.<\/p>\n    <\/div>\n    <div class=\"situation-card\">\n      <h4>Tenant in a commercial building<\/h4>\n      <p>Even if your situation is special, we find tailored solutions for your tenant insurance.<\/p>\n    <\/div>\n    <div class=\"situation-card\">\n      <h4>Vacant home<\/h4>\n      <p>House unoccupied due to an estate, a move, or other circumstances? We offer tailored protection.<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- ETAPES -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"How-it-works\"><\/span>How it works<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <div class=\"steps\">\n    <div class=\"step\">\n      <div class=\"step-num\">1<\/div>\n      <h4>Fill out the form<\/h4>\n      <p>Describe your situation in a few minutes, even with a complex file<\/p>\n    <\/div>\n    <div class=\"step\">\n      <div class=\"step-num\">2<\/div>\n      <h4>Analysis of your file<\/h4>\n      <p>A specialized broker evaluates your profile and contacts the appropriate insurers<\/p>\n    <\/div>\n    <div class=\"step\">\n      <div class=\"step-num\">3<\/div>\n      <h4>Comparison of offers<\/h4>\n      <p>We compare quotes from several non-standard insurers<\/p>\n    <\/div>\n    <div class=\"step\">\n      <div class=\"step-num\">4<\/div>\n      <h4>Coverage obtained<\/h4>\n      <p>Choose the option that suits you at the best available price<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- CONTENU PRINCIPAL -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"Non-standard-home-insurance-in-Quebec\"><\/span>Non-standard home insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>At <strong>Assur360<\/strong>, we believe that everyone deserves protection, regardless of their history. Even if your file has been refused elsewhere, the brokers from our partner firms work with specialized home insurers to offer you tailored coverage.<\/p>\n  <p>Whether due to non-payment, a criminal record, a contract cancellation, or a difficult financial situation, we have solutions for you.<\/p>\n\n  <div class=\"highlight-box\">\n    <strong>Did you know?<\/strong> We work with specialized insurers who understand the risks associated with properties and non-standard profiles. An independent broker like those at Assur360 negotiates the best rates for you, even in the most complex cases.\n  <\/div>\n\n  <h3>Vacant home: protection even in your absence<\/h3>\n  <p>Your house is temporarily unoccupied due to an estate, a move abroad, or other circumstances? Finding <a href=\"https:\/\/www.assur360.ca\/assurance-habitation\/\">insurance for a vacant home<\/a> can be a challenge, but Assur360 and its partner brokers offer tailored solutions.<\/p>\n  <p>We work with specialized insurers who understand the risks associated with unoccupied properties and offer you reliable coverage to protect your asset against damage, theft, and vandalism.<\/p>\n\n  <h3>Don&#8217;t let your past dictate your future<\/h3>\n  <p><strong>Get a quote today and take back control of your protection!<\/strong> Contact us now at <a href=\"tel:18663574451\">1-866-357-4451<\/a> to discuss your needs with an experienced broker.<\/p>\n<\/div>\n\n<!-- ALERT BOX -->\n<div class=\"alert-box\">\n  <strong>Important notice:<\/strong> Some files may be refused according to the standards of our insurers or the broker. Each situation is evaluated individually to offer you the best possible coverage.\n<\/div>\n\n<!-- GEO SECTION -->\n<div class=\"geo-section\">\n  The brokers from our partner firms help owners with non-standard files throughout Quebec: <strong>Montreal<\/strong>, <strong>Quebec<\/strong>, <strong>Laval<\/strong>, <strong>Longueuil<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, and <strong>Saguenay<\/strong>. No matter your region, we have home insurance solutions tailored to your situation.\n<\/div>\n\n<!-- EEAT -->\n<div class=\"eeat\">\n  <div class=\"eeat-item\">\n    <strong><span class=\"eeat-check\">\u2713<\/span> AMF Certified<\/strong>\n    All brokers from our partner firms are certified by the Autorit\u00e9 des march\u00e9s financiers\n  <\/div>\n  <div class=\"eeat-item\">\n    <strong><span class=\"eeat-check\">\u2713<\/span> Chamber of Insurance Members<\/strong>\n    Chamber of Insurance of Quebec\n  <\/div>\n  <div class=\"eeat-item\">\n    <strong><span class=\"eeat-check\">\u2713<\/span> 100,000+ quotes<\/strong>\n&#8220;&#8220;&#8220;html\n<strong>\n    Thousands of Quebecers trust us every year\n  <\/strong>\n<\/div>\n<\/div>\n\n<!-- FAQ -->\n<div class=\"faq\">\n  <h2><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Non-standard-Home-Insurance\"><\/span>Frequently Asked Questions &#8212; Non-standard Home Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n  <details>\n    <summary>Does a criminal record prevent me from insuring my home?<\/summary>\n    <p>No, not automatically. You must disclose the situation (duty to disclose). The insurer will evaluate the nature of the offense, the date, the recurrence, and whether there has been rehabilitation or suspension of the record. Certain offenses (e.g., arson, insurance fraud) may lead to a refusal or strict conditions, but the brokers from our partner firms find solutions.<\/p>\n  <\/details>\n\n  <details>\n    <summary>What makes a home &#8220;non-standard&#8221; in insurance?<\/summary>\n    <p>A home is considered non-standard if it presents an increased risk: aging roof, wood heating, vacant home, history of claims, lead plumbing, or criminal record of the owner. Specialized insurers still offer coverage. Check <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurance\/assurance-habitation\" target=\"_blank\" rel=\"noopener nofollow\">the Autorit\u00e9 des march\u00e9s financiers (AMF)<\/a> for more information.<\/p>\n  <\/details>\n\n  <details>\n    <summary>How much does non-standard home insurance cost?<\/summary>\n    <p>The cost varies based on your risk profile, the type of property, and the coverage chosen. Premiums are generally higher than for a standard file, but an independent broker like those at Assur360 negotiates the best rates among several specialized insurers. Request a free quote to know your price.<\/p>\n  <\/details>\n\n  <details>\n    <summary>Can I obtain insurance after a cancellation by my previous insurer?<\/summary>\n    <p>Yes. A cancellation does not mean the end of your protection. The brokers from our partner firms work with insurers who accept canceled files. The reason for the cancellation will be evaluated, but in most cases, new coverage is possible.<\/p>\n  <\/details>\n\n  <details>\n    <summary>What should I do if I have had multiple claims in recent years?<\/summary>\n    <p>A history of claims can complicate obtaining standard insurance. The brokers from our partner firms have access to specialized insurers who evaluate each file individually. Even with a heavy history, we can generally find coverage at a competitive rate.<\/p>\n  <\/details>\n\n  <details>\n    <summary>Does bankruptcy affect my home insurance?<\/summary>\n    <p>Yes, bankruptcy can influence your eligibility with certain insurers. However, once the bankruptcy is discharged, options remain available. The brokers from our partner firms know the insurers who accept these profiles and help you find the best possible coverage.<\/p>\n  <\/details>\n\n  <details>\n    <summary>Why go through a broker rather than a direct insurer for a non-standard file?<\/summary>\n    <p>An independent broker like Assur360 has access to several specialized insurers for non-standard files. They act in your interest, not that of a single insurer. They compare offers, negotiate the best rates, and assist you in the event of a claim. This is a major advantage for complex files.<\/p>\n  <\/details>\n\n  <details>\n    <summary>Does my vacant home insurance cover theft and vandalism?<\/summary>\n    <p>It depends on the policy taken out. Some policies for vacant homes exclude theft and vandalism after a certain period of vacancy (often 30 days). The brokers from our partner firms recommend the appropriate protections to ensure your property remains covered, even during your extended absence.<\/p>\n  <\/details>\n<\/div>\n\n<!-- FINAL CTA -->\n<div class=\"final-cta\">\n  <div class=\"final-mascot\">\n    <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/assur360-courtier-enso.png\" alt=\"Assur360 Broker\"\/>\n  <\/div>\n  <div class=\"final-text\">\n    <h2><span class=\"ez-toc-section\" id=\"Protect-your-home-even-with-a-difficult-file\"><\/span>Protect your home, even with a difficult file<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>The brokers from our AMF-certified partner firms compare several specialized insurers to find you the best non-standard home coverage in Quebec.<\/p>\n    <div class=\"hero-btns\">\n      <a href=\"https:\/\/www.assur360.ca\/soumission-habitation-solutions\/\" class=\"btn-teal\">Get my free quote \u2192<\/a>\n      <a href=\"tel:18663574451\" class=\"btn-outline\">1-866-357-4451<\/a>\n    <\/div>\n  <\/div>\n<\/div>\n\n<\/div><!-- end .a360-hns -->\n\n&#8220;`\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n    {\"@type\":\"ListItem\",\"position\":2,\"name\":\"Home insurance\",\"item\":\"https:\/\/www.assur360.ca\/assurance-habitation\/\"},\n    {\"@type\":\"ListItem\",\"position\":3,\"name\":\"Non-standard\",\"item\":\"https:\/\/www.assur360.ca\/assurance-habitation-non-standard\/\"}\n  ]\n}\n<\/script><script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360\",\n  \"url\": \"https:\/\/www.assur360.ca\/\",\n  \"telephone\": \"+1-866-357-4451\",\n  \"areaServed\": {\"@type\":\"Province\",\"name\":\"Quebec, Canada\"},\n  \"description\": \"Non-standard home insurance in Quebec. Criminal record, bad credit, cancellation, claims: the brokers from our partner firms certified by the AMF find suitable coverage.\",\n  \"priceRange\": \"$$\",\n  \"address\": {\"@type\":\"PostalAddress\",\"addressRegion\":\"QC\",\"addressCountry\":\"CA\"}\n}\n<\/script><script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\":\"Question\",\"name\":\"Does a criminal record prevent me from insuring my house?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No, not automatically. You must declare the situation (disclosure obligation). The insurer will evaluate the nature of the offense, the date, the recurrence, and whether there has been rehabilitation or suspension of the record. 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